Will Affirm's Smart Underwriting Shift Redefine BNPL Risk?

Key Takeaways AFRM upgraded underwriting by adding real-time bank balances and cash flow signals to credit decisions.The approach is live for card users and opt-in banking links, helping thin credit profiles.AFRM says the richer view can lift purchasing power and credit quality.Affirm Holdings, Inc. (AFRM) recently upgraded how it evaluates credit risk by embedding richer real-time financial signals into its underwriting process, like up-to-the-minute bank account balances and cash flow trends. Instead of r ...